Home Insurance in Union City, Oklahoma
The median home value in Union City is $298,400, 21% higher than the Canadian County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Union City was built around 1993. About 11% of homes were built before 1960, about 3 points above Canadian County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Union City is 79% single-family homes and 20% mobile or manufactured homes.
55% of owner-occupied homes in Union City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Union City has an owner-occupancy rate of 91% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Union City are primarily heated with electricity.
Canadian County had 257 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Canadian County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $298,400 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Canadian County | 257 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)